Which has the lower annual fee, BMO eclipse Visa Infinite or Marriott Bonvoy American Express Card?

The BMO eclipse Visa Infinite has a $120 annual fee, while the Marriott Bonvoy American Express Card charges $150/year.

Which card is better for groceries, BMO eclipse Visa Infinite or Marriott Bonvoy American Express Card?

The BMO eclipse Visa Infinite earns base rate on groceries, while the Marriott Bonvoy American Express Card earns 1.6%. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Marriott Bonvoy American Express Card accepted everywhere in Canada?

The Marriott Bonvoy American Express Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

BMO eclipse Visa Infinite vs Marriott Bonvoy American Express Card — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

BMO eclipse Visa Infinite edges ahead by $62/yr

Marriott Bonvoy American Express Card earns $204 more on groceries
Marriott Bonvoy American Express Card earns $84 more on travel
$490 welcome bonus advantage

Groceries: +$204Travel: +$84Dining & Restaurants: +$53

BMO eclipse Visa Infinite: $30/yr in foreign transaction fees

Marriott Bonvoy American Express Card: $30/yr in foreign transaction fees

Marriott Bonvoy American Express Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

Showing Year 1 analysis

Dollar Value

Winner

$408

/first year

1.0% effective$34/mo

vs 1% no-fee card: −$11

Annual rewards earned+$68

Welcome bonus+$490

FX costs−$30

Annual fee−$120

$346

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$73

Annual rewards earned+$526

FX costs−$30

Annual fee−$150

Best for your spendingBMO eclipse Visa Infinite—$408Year 1 value

+$62 more than Marriott Bonvoy American Express Card

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

BMO eclipse Visa Infinite edges ahead by $62/yr

Marriott Bonvoy American Express Card earns $204 more on groceries
Marriott Bonvoy American Express Card earns $84 more on travel
$490 welcome bonus advantage

Groceries: +$204Travel: +$84Dining & Restaurants: +$53

Showing Year 1 analysis

Year-over-Year

Year 1

BMO eclipse Visa Infinite

by $62 — welcome bonus advantage

Year 2+

Marriott Bonvoy American Express Card

by $428 — ongoing earn advantage

BMO eclipse Visa Infinite wins Year 1 thanks to a better welcome bonus, but Marriott Bonvoy American Express Card earns more ongoing. Consider how long you plan to hold the card.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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